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Since the credit crunch in 2008 and the subsequent financial crash banks have been subject to stress tests by the Government. Part of this was the Mortgage Market Review (or MMR) a comprehensive investigation of the mortgage market that came into effect in 2014. As a result, the mortgage world has toughened up. There were […]
We have talked about various aspects of insuring against accident, sickness and unemployment, most recently about new policies that support those with Diabetes. Just this week I went to an event where we were given some statistics on the different health concerns that will affect many of us at some point in our lives. I […]
In December’s blog we looked at the likely state of the mortgage market in 2019. We quoted Darren Cook of Moneyfacts as saying that home owners were looking for some certainty about their finances in the face of an uncertain economic outlook. That uncertainty is not all Brexit related by any means, so an awareness […]
People with Type 2 Diabetes have insulin resistance. The body still produces insulin, but it’s unable to use it effectively. This contrasts with Type 1 Diabetes where the body is unable to produce insulin. The types of diabetes and severities of some conditions means that it, in life insurance terms it is hard to categorise […]
With headlines about redundancies in the press, most recently from Jaguar/Land Rover, the threat of unemployment is looming for thousands of people more immediately than it has for some years. Something that you may want to consider is some insurance against the worst happening to you. Specialist unemployment insurance policies usually pay out for up […]
When we reach the age of 55 many of us find that our lives are starting to change. For those fortunate enough early retirement may beckon. Children may well be building independent lives and you could be considering your options. In the past this could often mean downsizing or taking out an expensive equity release. […]
We have talked before about life insurance, but with an ever-changing economic climate and as individual circumstances never stay the same for long it is worth reminding ourselves what life insurance is for as we move towards the new year. Not everyone needs life insurance, but if your family depend on your income to cover […]
A warning by Mark Carney, Governor of the Bank of England in September, that a disruptive no-deal Brexit could cut 35 per cent off house prices added to existing market jitters. Mr Carney’s warning represented an extreme scenario, and the ultimate effects of Brexit on house prices and mortgages will depend on the position at […]
Buying a home is a big step, and it can be discouraging if you are ready to take it, but there are things standing in your way. You want purchasing a home to be a positive experience so it is important to make sure that you are ready for it when the time comes. Here […]
There is still plenty of uncertainty over the exact nature of Brexit and this means there is also uncertainty within the insurance market. In the current period of uncertainty, it is hard to say whether Brexit will negatively impact the UK’s insurance sector. However, based on the feedback from some of the biggest insurers in […]